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Highlights of Proposed Rules Regarding Credit Cards and Overdraft Services Regulation AA (Unfair Acts or Practices) The proposal would amend Regulation AA to prohibit unfair or deceptive acts or practices by banks in connection with credit card accounts and overdraft services for deposit accounts. Credit Cards * Time to Make Payments. The proposal would prohibit banks from treating a payment as late unless the consumer has been provided a reasonable amount of time to make that payment. There would be a safe harbor for banks that send periodic statements at least 21 days prior to the payment due date. * Allocation of Payments. When different annual percentage rates (APRs) apply to different balances on a credit card account (for example, purchases and cash advances), banks would have to allocate payments exceeding the minimum payment using one of three methods or a method equally beneficial to consumers. They could not allocate the entire amount to the balance with the lowest rate. A bank could, for example, split the amount equally between two balances. In addition, to enable consumers to receive the full benefit of discounted promotional rates (for example, on balance transfers), during the promotional period payments in excess of the minimum would have to be allocated first to balances on which the rate is not discounted. * Applying Rate Increases to Existing Balances. The proposal would prohibit banks from increasing the interest rate on outstanding balances unless the increase is due to: (i) the operation of an index (in other words, the rate is a variable rate); (ii) the expiration or loss of a promotional rate (provided the rate is not increased to a penalty rate); or (iii) the minimum payment not being received within 30 days of the due date. * Two-Cycle Billing. The proposal would prohibit banks from imposing finance charges based on balances on days in billing cycles preceding the most recent billing cycle, a pra

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Buy Verified Coinbase Account Introduction Coinbase is the largest Bitcoin exchange in the world. They have an impressive customer base, but it can be hard to get verified. In this article, we'll show you how to buy a verified coinbase account and why you should do it! can i buy bitcoin on coinbase without verification No, you can't buy bitcoin without verifying your account. When you want to buy bitcoin, the first thing you have to do is verify your profile and create an API key. This will help keep bad actors out of our system and make sure that only people who are intending to purchase coins are able to do so. The verification process takes up to 24 hours but it's worth it! You'll get access to all kinds of cool Coinbase features like real-time quotes and order history tracking-and we won't tell anyone if they miss out on some free goodies (like $10 worth). How can you buy real verified coinbase account? You can buy a verified coinbase account from the official website or from one of their partners. Buy a verified Coinbase Account: https://www.coinbase.com/buy-verified-coinbase-account Buy Verified Coinbase Pro Account: https://www.coinbasepro.com/buy-verified-CoinbasePro how to create a verified coinbase account You can create a verified coinbase account through the verification process. To do this, you'll need to provide your government-issued ID, proof of residency and at least one secondary form of identification (such as a utility bill or bank statement). If you already have an existing Coinbase account, then you can use that account as reference when completing the verification process. However, if it's been more than 90 days since your last purchase on Coinbase and haven't made any new transactions in that time frame, then we ask that you create a new wallet with us before proceeding with the verification process.

Buy Verified Coinbase Account Introduction Coinbase is the largest Bitcoin exchange in the world. They have an impressive customer base, but it can be hard to get verified. In this article, we'll show you how to buy a verified coinbase account and why you should do it! can i buy bitcoin on coinbase without verification No, you can't buy bitcoin without verifying your account. When you want to buy bitcoin, the first thing you have to do is verify your profile and create an API key. This will help keep bad actors out of our system and make sure that only people who are intending to purchase coins are able to do so. The verification process takes up to 24 hours but it's worth it! You'll get access to all kinds of cool Coinbase features like real-time quotes and order history tracking-and we won't tell anyone if they miss out on some free goodies (like $10 worth). How can you buy real verified coinbase account? You can buy a verified coinbase account from the official website or from one of their partners. Buy a verified Coinbase Account: https://www.coinbase.com/buy-verified-coinbase-account Buy Verified Coinbase Pro Account: https://www.coinbasepro.com/buy-verified-CoinbasePro how to create a verified coinbase account You can create a verified coinbase account through the verification process. To do this, you'll need to provide your government-issued ID, proof of residency and at least one secondary form of identification (such as a utility bill or bank statement). If you already have an existing Coinbase account, then you can use that account as reference when completing the verification process. However, if it's been more than 90 days since your last purchase on Coinbase and haven't made any new transactions in that time frame, then we ask that you create a new wallet with us before proceeding with the verification process.

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"Think of five problems facing the world. Now think of five solutions. If you found the first easier than the second, don't worry. Everybody does. We know much more about what's broken than what's being done to fix things. We created Dowser to address this imbalance. We're living through a global social change renaissance. Millions of people are building organizations and social enterprises to attack problems using new ideas and models. But most of this activity is hidden. The news is better at telling us what went wrong yesterday than what's being done to make tomorrow better. At Dowser, we present the world through a 'solution frame,' rather than a 'problem frame.' We're interested in the practical and human elements of social innovation: Who's solving what and how. We want to know how people come up with ideas, how they put them into practice, how they pay the bills, and what fuels their fire. We don't proselytize, provide feel good news, or celebrate a few heroes. We provide trustworthy news and provocative ideas with a discerning eye. We're open to any sector - nonprofit, business, government. And we're interested in social innovators of any age in any field. We'll be starting with stories in the U.S. and Canada. Later, we'll expand globally. Dowser is a place for anyone who cares about initiating positive change. We tell stories about people who are creatively attacking social problems. People who show how achievable it is to make an impact. A dowser uses a divining rod to uncover water. We uncover stories of change."

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Software Development has formed the economic and social face of the planet within the most recent 3 decades. What was once thought of gibber and kept to the elite minds that place humans on the Moon and cracked the German Enigma is currently a well-liked profession that has created landmarks just like the Silicon Valley and icons like Bill Gates and Steve Jobs. With the spurt in revolutionary product ideas within the late 90s, the need to place those 'thoughts' into execution demanded the best development-skills, and this 'request' has been solely developing with time. This conveys us to an aspect of software development that has perpetually been a significant business call for companies - the foremost cost-effective engagement model. Here is what we think regarding selecting the right engagement model: Fixed Price Model Fixing the price is about fixing the project requirements, scope, as well as deadlines. This model can never work while not thorough initial planning, analysis, and estimation sessions. The more planning you do, the better the result. Why is the planning stage so important? The success of the fixed price project is directly proportional to the success of this primary phase. To have a superior control over a greater project, the engagement model may be somewhat changed with deliverables & milestones approach. A customer is charged because the in agreement milestones have come and deliverables are in situ. From that point forward, another stage with its own particular milestones and deliverables can start. For the majority of effectively fixed price projects, discovery phase fills in as the beginning point. Choose Fixed Price Engagement Model when: Requirements are clear, very much characterized and improbable to change You deal with a small or medium project which won't last for more than few months The Pros: It's well-defined and well-negotiated. There's no room for lapses. There is a push to get the total picture of the software even befo